Remote
Deposit
Capture

Remote Deposit Capture: The fast, easy way for account holders to deposit checks

Remote Deposit Capture (RDC) has quickly grown in popularity among the nation’s top banks and account holders alike. With today’s modern, technologically-inclined market, asking account holders to dedicate time to outdated deposit banking practices will only lead to a drop in both customer retention and satisfaction. RDC puts the convenience of a teller or after-hours drop box in your customer’s place of business. With our intuitive Remote Deposit Capture services, Deluxe makes it possible for you to offer digital check scanning, depositing, and clearing services to your account holders, along with mobile, merchant, lockbox, consumer, and ACH capture options. Fast and convenient for customers with camera-equipped smartphones, RDC benefits financial institutions as well. With reduced deposit transportation costs, higher revenue streams by attracting new clients and gaining larger wallet shares from existing clients, reduced check processing and clearing costs, and improved ability to monitor risks across deposit channels.

Remote Deposit Capture Savings

Deluxe_RemoteDepositCapture According to the Federal Reserve Bank’s pricing schedule, image-based clearing costs about 5 cents per item less than image return document (IRD)-based clearing. For every 100,000 items your bank sends for forward clearing per day, the savings could be more than $1.2 million per year.

How Remote Deposit Capture Is Changing the Banking Industry

Reports estimate that two-thirds of the nation’s checks are written to businesses, making checking a major contributing factor when it comes to traffic being directed to bank branches. By focusing efforts on increasing offerings for small businesses and consumers, individual banking operations are seeing dramatic success in the field of Remote Deposit Capture; and that momentum shows no signs of slowing any time soon. In all other industries, experts have been preaching the effects that a new digital and mobile-focused consumer market will have on businesses, and banks have not been left out of this conversation. Recent studies have illustrated this point by articulating that small business and consumer mobile RDC offerings will be crucial to both staying competitive and growing your customer base in this smartphone era. With a fully comprehensive suite of Remote Deposit Capture services, complete with risk monitoring, Deluxe is helping banks stay at the cutting edge of their industry with merchant, branch, consumer, and business mobile RDC services. Remote Deposit Capture has made convenient and secure check depositing while on-the-go or in the office not only a selling point for banks, but a must-have for businesses and consumers alike.

Convenient, secure check deposit from work, home or on the go

With intuitive and friendly interfaces partnered with system validation utilities and a host of additional advantages, Deluxe Remote Deposit Capture will help your institution save with its ease of use. By offering cutting-edge RDC services, your fiscal gains will not stop at clearing savings. When you offer the modern conveniences and services your customers want, you’ll enjoy increased customer loyalty and retention.

Merchant/Lockbox
Merchant/Lockbox

Integrates a wide range of scanners, including high-speed MICR or specialized scanners, TWAIN-compliant flatbed scanners and all-in-one print/copy/fax machines.

Consumer
Consumer

Gives account holders an affordable and secure alternative to costly check scanners for making deposits.

Mobile
Mobile

Allows account holders to deposit either personal or business checks via camera-equipped smartphones.

Risk Monitoring
Risk Monitoring

Lets you and account holders safely enjoy the benefits of remote deposit capture while complying with FFIEC guidelines.

Location Awareness
Location Awareness

Identifies where RDC deposits are transmitted from and alerts when customary physical locations change, providing greater visibility to potentially fraudulent activities.

Industry Research

BANK CASE STUDY: LEVELING THE PLAYING FIELD WITH BUSINESS MOBILE RDC AND INTEGRATED RECEIVABLES

SMALL BUSINESS RDC: TAKING TRANSACTIONS OUT OF THE BRANCH

Downloads

Remote Deposit Capture Suite
Remote Deposit Capture Suite

Accept deposits and payment information via mobile device or scanner to speed cash and reduce costs.

Learn more.

Remote Deposit Capture Hardware
Remote Deposit Capture Hardware

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